category · Finance
Finance software after AI
38 tools in this category. 2 are rated killed and 30 survived — together the non-survivors add up to $6,004 a month.
38
tools tracked
2
killed
30
survived
$6,004
$/mo at risk
most-voted in Finance
F 
FreshBooks
payments Finance
Survived because the tax authority does not accept a chat transcript.
why
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $19/mo.
OpenAI · 2023-07 $19/mo
E 
Expensify
payments Finance
Its magic trick — read this receipt — is now free in every model.
why
Ramp and Brex cover the headline feature free, so the $5/mo is now paying for the workflow around it.
OpenAI · 2024-05 $5/mo
B 
BILL
payments Finance
AP automation survived on payment rails and approval controls.
why
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $45/mo.
OpenAI · 2024-05 $45/mo
W 
Wave
payments Finance
Already free, already compliant, nothing to undercut.
why
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
OpenAI · 2023-07 free
S 
Spendesk
payments Finance
A fintech wearing a SaaS coat — and the fintech part is safe.
why
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
OpenAI · 2024-05 free
V 
Vendr
payments Finance
SaaS buying platform that negotiates software contracts on behalf of procurement teams.
why
Zylo and Torii pick up the same job, so the $2,917/mo now buys packaging rather than capability.
OpenAI · 2025-08 $2917/mo
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The Death List
38 of 38· $6,004/mo at riskV
Vendr
paymentsFinance· $2917
YES
OpenAI · 2025-08 · AI negotiation agents and free public pricing databases undercut Vendr's paid benchmarking and negotiation service
Zylo and Torii pick up the same job, so the $2,917/mo now buys packaging rather than capability.
A
Airbase
paymentsFinance· $1542
YES
OpenAI · 2024-10 · AI-native spend management rivals commoditized corporate cards and AP so fast it was folded into Paylocity's suite
Ramp and Brex pick up the same job, so the $1,542/mo now buys packaging rather than capability.
M
Mosaic
paymentsFinance· $833
KINDA
Microsoft · 2025-01 · AI copilots inside NetSuite and Dynamics generate financial models and forecasts without a separate FP&A layer
Microsoft's version covers the headline feature only, so the $833/mo is now paying for the workflow around it, not the AI.
C
Chargebee
paymentsFinance· $599
KINDA
OpenAI · 2025-09 · Stripe Billing bundling subscription management free with payments teams already use
OpenAI's version covers the headline feature only, so the $599/mo is now paying for the workflow around it, not the AI.
V
Vic.ai
paymentsFinance· $1500
NOT REALLY
OpenAI · 2025-04 · Generic LLM invoice readers extract data but lack Vic.ai's accounting-grade coding accuracy and audit trail
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $1,500/mo.
K
Karbon
paymentsFinance· $59
KINDA
OpenAI · 2025-09 · AI bookkeeping copilots automate the routine workflow tracking that used to justify a dedicated subscription
OpenAI's version covers the headline feature only, so the $59/mo is now paying for the workflow around it, not the AI.
Q
Quaderno
paymentsFinance· $49
KINDA
OpenAI · 2025-01 · Merchant-of-record platforms absorbed tax handling entirely
OpenAI's version covers the headline feature only, so the $49/mo is now paying for the workflow around it, not the AI.
E
Expensify
paymentsFinance· $5
KINDA
OpenAI · 2024-05 · Receipt OCR is a solved, commoditised model capability
Ramp and Brex cover the headline feature free, so the $5/mo is now paying for the workflow around it.
Z
Zip
paymentsFinance· $1000
NOT REALLY
Microsoft · 2025-05 · Generic AI procurement copilots inside ERP suites draft approval requests but still route through dedicated software
Microsoft's version overlaps, but does not finish the finance job, so this one still earns its $1,000/mo.
D
Digits
paymentsFinance· free
KINDA
OpenAI · 2024-05 · ChatGPT Data Analysis
ChatGPT covers the headline feature free, and the workflow around it is why you would still open this.
O
Orb
paymentsFinance· $720
NOT REALLY
OpenAI · 2025-09 · Stripe extending its billing engine to cover usage-based and credit models natively
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $720/mo.
P
Pilot
paymentsFinance· $499
NOT REALLY
OpenAI · 2022-11 · ChatGPT can categorize transactions and explain bookkeeping concepts
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $499/mo.
F
Fondo
paymentsFinance· $249
NOT REALLY
OpenAI · 2025-09 · AI bookkeeping tools letting founders handle accounting without any service provider
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $249/mo.
A
Adapty
paymentsFinance· $99
NOT REALLY
OpenAI · 2025-03 · AI app builders shipped more mobile apps, all needing paywall testing
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $99/mo.
B
BILL
paymentsFinance· $45
NOT REALLY
OpenAI · 2024-05 · Moving money requires banking rails, not intelligence
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $45/mo.
P
Puzzle
paymentsFinance· $30
NOT REALLY
OpenAI · 2025-03 · General AI chat assistants that can categorize a few transactions but can't produce audit-ready, GAAP-compliant books
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $30/mo.
Q
QuickBooks
paymentsFinance· $30
NOT REALLY
OpenAI · 2024-05 · AI bookkeeping and analysis
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $30/mo.
X
Xero
paymentsFinance· $20
NOT REALLY
OpenAI · 2024-05 · AI financial analysis
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $20/mo.
F
FreshBooks
paymentsFinance· $19
NOT REALLY
OpenAI · 2023-07 · Bookkeeping is regulated record-keeping, not a chat answer
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $19/mo.
N
Navan
paymentsFinance· $15
NOT REALLY
OpenAI · 2025-02 · AI travel-planning chatbots can suggest itineraries but can't enforce corporate travel policy or book negotiated rates
OpenAI's version overlaps, but does not finish the finance job, so this one still earns its $15/mo.
W
Wave
paymentsFinance· free
NOT REALLY
OpenAI · 2023-07 · Free accounting is not a target for disruption
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
S
Spendesk
paymentsFinance· free
NOT REALLY
OpenAI · 2024-05 · Spend management is card issuing plus controls
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
S
Stripe
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · AI agents need payment rails, so agentic commerce grew the category
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
M
Metronome
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · Stripe and Orb competing for the same usage-based billing customers
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
L
Lago
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · Stripe Billing being free enough that self-hosting a billing engine is rarely worth it
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
A
Autumn
paymentsFinance· free
NOT REALLY
Anthropic · 2026-02 · Stripe adding entitlement and feature-gating primitives directly to its billing product
Anthropic's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
A
Anrok
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · Stripe Tax and merchant-of-record platforms bundling compliance into payments
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
R
Rillet
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · NetSuite and QuickBooks adding AI automation to accounting systems companies already run
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
N
Numeric
paymentsFinance· free
NOT REALLY
OpenAI · 2025-09 · ERP vendors adding AI close automation directly into the accounting system
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
B
Brex
paymentsFinance· free
NOT REALLY
OpenAI · 2024-05 · ChatGPT finance queries
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
R
Ramp
paymentsFinance· free
NOT REALLY
OpenAI · 2024-05 · ChatGPT over expenses
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
L
Lemon Squeezy
paymentsFinance· free
NOT REALLY
OpenAI · 2025-01 · AI builders generate checkout pages but not tax compliance
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
P
Paddle
paymentsFinance· free
NOT REALLY
OpenAI · 2025-01 · AI-generated apps multiplied sellers needing global tax handling
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
P
Polar
paymentsFinance· free
NOT REALLY
OpenAI · 2025-04 · Codegen makes billing look easy until tax and dunning arrive
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
C
Creem
paymentsFinance· free
NOT REALLY
OpenAI · 2025-04 · AI made launching a paid product trivial; getting paid legally did not change
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
D
Dodo Payments
paymentsFinance· free
NOT REALLY
OpenAI · 2025-05 · AI app builders created a flood of sellers outside Stripe-supported countries
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
R
RevenueCat
paymentsFinance· free
NOT REALLY
OpenAI · 2025-03 · AI app generators produced more mobile apps, all needing subscription plumbing
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.
M
Mercury
paymentsFinance· free
NOT REALLY
OpenAI · 2025-01 · AI startup tooling grew the number of tiny companies needing a bank
OpenAI's version overlaps, but does not finish the finance job, so this one is still worth keeping open.